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Importance of medical test while buying a health cover

Every health insurance policy asks for some medical tests before taking any plan; these tests are really very important to get to know about health conditions and about premiums.

Health Insurance plans are the backup or may call protector of people in some serious problems or illness which are life snatching and also have expensive treatments. Besides this, a right health insurance plan is like an assurance for the insured while he/she faces some kind of difficulties; there are lots of people in every country who dies or suffers with lifelong pains due of lack of support. It is a guide, a friend, a helper, an assurer, a good protector which means an overall coverage for insured person but still it is not enough to get fully covered and having all kind of money while in danger.

Health is wealth and no doubt freaking for being healthy and fit is become a mania now-a-days; after advanced technologies and lifestyle people get affected easily.

While going to buy a medical insurance policy, most of the reputed insurance providers ask people to undergo some pre-medical tests which are mandatory for them to get a health insurance plan as these tests are a huge deciding factor in deciding the eligibility for insurance.

But it does not mean that one cannot get a policy without medical tests and it becomes easier to fall for the health insurance with no medical exam as the insurer asks for health insurance exam is most customer friendly at the time of making a claim. So if any insurer doesn’t ask anyone for going through these tests, it nowhere says that one should withhold a pre-existing health condition.

Lying about the aliments or hiding facts is known as fraud or cheating and also can lead to rejection of claim; without medical tests, one needs to submit a declaration of good health before insurer decides the premium amount.

According to people skipping test sometimes is a good idea as it can save a person the trouble of visiting a diagnostic centre and also saves money but it can lead insured to pay a big amount later. So going through health insurance medical checkup will be more beneficial for insured and if insured passes these tests without any aliments being diagnosed, the insurer will reimburse insured for the health check-up. And if there is a pre-existing condition, one will get to know in detail about exclusions, waiting period etc. as per the condition.

Though these medical tests will tell for a slight higher premium, but it is worth for insured. Besides all of this, these medical tests will help the insured or other people to know about their health conditions as they are done under best observation.

Last but not the least is that these medical tests are really very important they are not marketing gimmick; people often skip tests as they are expensive but it is mandatory as they help to know the patient’s health.